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How is home insurance cost calculated? 

The Ontario insurance industry has a variety of factors used to calculate the cost of a home insurance policy. At Tradition Mutual Insurance Company, the main factors that we used to determine the best price and coverage for your policy is the following: 

- Distance to a hydrant or responding fire hall

- Specific water flood, water line and sewer/drain backup coverage options that are necessary 

- Prior insurance history 

- Heating type, age of roof, age of the home

- If you are claims free

- Other policies bundled with Tradition Mutual Insurance Company 

- Whether you are mortgage free or whether you are purchasing your

first home

Contact Kyle Wijnands at 519-393-3246 today to get a quote or take 3 minutes to get a home insurance quote by clicking the link below. 

3 cups


3 cups


content/additional living coverage

1 cup




2 tbsp.


1½ cups


public liability

Other Common Ontario Home Insurance Quote Questions

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